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Okay, so here's the thing people get wrong about Social Security. They think it's like a savings account — like the government has been storing YOUR money in a vault with your name on it. That's not how it works at all. Social Security is basically a relay race. The people working today pay into the system, and that money goes directly out to the people who are retired TODAY. It's always been that way. And for decades, it worked fine — because there were way more workers than retirees. Back in 1